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By N.A. Pagliara, Esquire of Pagliara Law Group, P.A. posted in in Personal Injury Blog on Friday, December 18, 2020.
Were you involved in an automobile accident in the state of New Jersey and had your insurance claim denied by the insurance company? More often than not, this is a far too common in the New Jersey State and in many other states.
The silver lining is you may still be able to pursue compensation. A licensed attorney can help you weigh your legal options and build a strong case in your favor to overturn a denied insurance claim.
Contact a NJ car accident attorney link here at the Pagliara Law Group to set up a Free Case Review to determine whether you have grounds to file an appeal for your denied claim. Our lawyers work on a contingency fee basis, so we charge you no lawyer fees unless we win your case.
WHAT ARE MY OPTIONS?
New Jersey is a no-fault state in terms of auto insurance. That means the accident victim has a legal right to recover insurance compensation from his or her own insurance company, regardless of who caused the accident. However, even if you have a strong case, the insurance company may deny the claim.
Although the dispute process can be frustrating and time-consuming work, a knowledgeable lawyer from our firm may be able to help make things a little easier.
Depending on the details of your situation, you and your lawyer may be able to file an appeal with the insurance company. Your lawyer can investigate the details of the accident and assess your damages to request a fair amount of compensation. They can then negotiate back and forth with insurance adjusters until a fair settlement agreement is reached.
If you choose a lawyer with a proven history of a strong track record the insurance company is more likely to take your claim more seriously and may be more inclined to try to resolve the situation more quickly.
If an agreement cannot be reached, you may need to file a lawsuit. However, insurers would usually rather settle instead of spending the extra time and money for a trial. Our aggressive and relentless attorneys will only advise you to file a lawsuit if we think it would be in your best interest.
UNDERSTANDING THE APPEALS PROCESS
Car insurance companies usually have a process for policyholders who wish to file an appeal. If you wish to do so, you may want to consider taking the following steps:
- Find out the reason your claim was denied
- Review the evidence you submitted and look for additional evidence to back your claim
- Draft a demand letter with your attorney that articulates the reason for your demands, along with the additional evidence
- Let your attorney send the letter to the insurance company and handle all communication going forward
Sometimes an insurance company will not reverse a denial simply because you filed an appeal, however, they will be more inclined to negotiate if your argument makes sense and you have the evidence to bolster your case.
FILING A PERSONAL INJURY LAWSUIT
You may be able to personal lawsuit against the driver who caused the crash and your injuries if the:
- Insurer does not accept responsibility for the damages
- Insurance company wrongfully denies your claim
- Cost of your damages exceeds the limits of your policy
Although lawsuits can be expensive and lengthy, the insurance company would not be calling the shots on the outcome of your claim. It would be up to a judge or jury to decide.
SEEK HELP WITH YOUR DENIED INJURY CLAIM
It is important to talk to an experienced lawyer about seeking compensation, especially after your car crash claim was denied by the insurance company. Insurance companies are known for denying and devaluing claims to save money.
Let a reputable attorney from the Pagliara Law Group guide you through the legal process. Our firm has been dedicated to the pursuit of justice for you. Read some of our client testimonials to learn how we may be able to help you.
Contact Us
Our attorneys represent people in all aspects Personal Injury . Call us at (201) 470-4181 or fill out the contact form on this page. We can help.
Tags: Car Accidents, Personal Injury
